Loan program
Bank Statement Program
Self-employed? Qualify on 12–24 months of bank statements instead of tax returns.
Self-employed borrowers often write off so much income on their taxes that traditional loans don't work. Our bank statement program qualifies you on real deposits, not tax returns.
The tax code rewards self-employed people for aggressive deductions. The mortgage industry, unfortunately, penalizes them for it. Bank statement loans solve that mismatch.
Instead of looking at your tax returns, we analyze 12 or 24 months of bank deposits to calculate your actual qualifying income. That number is usually far higher than your tax return's adjusted gross income.
These are real loans from real lenders — not hard money. Rates are competitive, terms run up to 30 years, and the cash-out option lets entrepreneurs tap home equity to invest in their businesses.
What it gives you
No Tax Returns
We qualify on deposits to your business or personal bank accounts.
12 or 24 Months
Choose the look-back period that best reflects your income.
Competitive Rates
Rates 0.5–1.5% above prime conventional — far less than hard money.
Up to 90% LTV
Strong borrowers can finance up to 90% with no MI.
How it runs, start to finish
- 1
Document Deposits
Provide 12 or 24 months of statements; we calculate qualifying income.
- 2
Apply
Standard application with focus on credit and reserves.
- 3
Underwrite
Manual underwriting reviews business profitability.
- 4
Close
Typical 30–40 day timeline.
Questions people ask about this one
How is income calculated?
Total deposits over the period, multiplied by an expense factor (50%–80%) based on your business type, divided by months.
Do you need tax returns at all?
No tax returns required — just bank statements, business license, and a CPA letter for some programs.
What's the minimum credit score?
660 minimum for most programs; best pricing at 720+.
Can I cash-out refi with this?
Yes — cash-out is available up to 80% LTV on bank statement programs.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
